Eternal SBI Credit Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns points

First-year fee

₹499 + GST

Annual fee

₹499 + GST

Rs. 499 + GST from second year onwards

What it gives back

Upto 5% Cashback on eligible spends with partner brands

Read from 5 SBI Card documents, last checked 18 Oct 2026.

How it compares

Compared with the cards we have read

₹499 annual fee: of the 273 other open cards whose annual fee we have read, 100 state a lower one, 25 state the same and 148 state a higher one.

3.5% forex markup: of the 291 other open cards whose forex markup we have read, 103 state a lower one and 188 state the same.

Fees

Rewards

Charges

Forex markup
3.5% on foreign currency transactions.
Cash advance fee
2.5% of transaction amount (subject to a minimum of ₹500)
Interest on unpaid balance
Up to 3.75% p.m.
Interest-free period
20 to 50 days interest-free when you pay in full.
Late payment fee
Nil to ₹1,300 by outstanding amount due.

How we know

5 documents from SBI Card, checked 18 Oct 2026.

On these lists

₹499 a year

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